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Checking Accounts

Personal

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Rewards +Perks

The crème de la crème of checking accounts! You get access to major perks and, if you meet the monthly qualifications, you can earn a premium of 1.75% APY* on balances up to $25,000.

Qualify for the Premium Rate

  • 12 or more debit card purchases (POS)
  • One or more ACH direct deposit or direct debit
  • Choose e-Statement delivery

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Good Life +Perks

Designed specifically for people over 50, this account pays interest on balances of $1,000 and above. Enjoy events and travel opportunities with the Good Life membership.

  • CNB +Perks benefits
  • Interest earned on balances of $1,000 and above
  • Free personalized checks
  • Discount on safe deposit box rental
  • Good Life travel opportunities
  • Only $7 per month
  • Download the CNB +Perks app in the App Store or get it on Google Play

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Experience the thrill of traveling with CNB’s exclusive travel program! Contact CNB for more information about these exciting travel opportunities!

  • Biltmore Estates “Tutankhamun – His Tomb & His Treasures”: October 7, 2025
  • Flat Rock Playhouse – Yellow Brick Joel: Billy Joel and Elton John: November 6, 2025
  • Southern Charm Holiday in Charleston and Savannah: December 4-9, 2025
  • Discover California Dreamin’: Monterey, Yosemite & Napa – April 20-27, 2026 Sign Up Now!
  • Greece Island Hopper featuring Athens, Mykonos and Santorini: July 17-27, 2026 Sign up Now!
  • Iceland’s Magical Northern Lights Discovery: October 20-26, 2026 Sign Up Now!
  • Discover New England Holiday featuring Omni Mount Washington Resort in New Hampshire: December 3-9, 2026 Sign Up Now!
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Advantage +Perks

When an all-purpose account is what you’re looking for, we’ve got you covered.

  • CNB +Perks benefits
  • Free personalized checks
  • Discount on safe deposit box rental
  • Only $7 per month
  • Paper statement fee of $2 if you do not elect free e-Statements
  • Download the CNB +Perks app in the App Store or get it on Google Play

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Simply

All the account basic features you need to simplify your life.

  • Limited CNB +Perks benefits
  • No monthly service charge if you elect to receive free e-Statements and maintain a minimum balance of $100
  • Monthly service charge of $7 if below minimum balance
  • Paper statement fee of $2 if you do not elect free e-Statements
  • Eligible to open online!

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*1.75% Annual Percentage Yield (APY) earned on balances up to $25,000 when the minimum qualifications are met during each monthly qualification cycle; balances over $25,000 earn 0.46% APY. If qualifications are not met during the cycle, the APY on all balances will be 0.05% APY and normal ATM fees will apply. Maintenance or activity fees could reduce earnings. Rates are effective 01/15/2024 and subject to change weekly. **ATM fee refunds are given on all Nationwide ATMs if qualifications are met during the cycle.

Additional Information: CNB +Perks benefits are provided by third-party providers arranged and compensated by Citizens National Bank. Benefits are subject to additional terms and conditions.

Digital Banking Resources

Explore features and learn how to better navigate our digital banking platforms by visiting our resource center.

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